 So just, you know, again, all those things are part of the planning process, and you need to make sure you're taking all those into consideration. I think we've got time for a couple more, don't we, Gary? Yeah, we do. Yeah, let's do this one next. All right, two truths and a lie. I'm always going to be comfortable with the risk level on that. Emergency savings is different than borrowing from your 401k. It's never too early to begin planning for retirement. What's the lie?